Your doctor may not have much of a choice but to follow up on anomalies discovered during diagnostic scans, so you need to factor in your willingness to overrule your doctor.
Yep! Physicians are motivated to treat pre-emptively, not wait and find out.
It is much easier to say after surgery: “All is good; no cancer, we took out a small bleb of tissue we thought was a tumor” than to say “Sorry, we thought that was a benign growth and that is why we did not recommend surgery 6 months ago, but it turns out we were wrong—it was a malignant tumor that has now spread.”